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Taishin Richart review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Taishin Richart is a debit card for travellers who want several currencies in one account without paying to convert them. The currency conversion fee is 0% and the monthly fee is TWD 0, so it suits people who keep a travel balance open and spend from it.

Key facts

Best for
A travel debit card: monthly fee of TWD 0 and a currency conversion fee of 0%.
Monthly fee
NT$0 (Source, checked September 26, 2026)
Currency conversion fee
0% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Cashback rate
0.5% (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Currencies
13 (Source, checked September 26, 2026)
Legal entity
Taishin International Commercial Bank (Source, checked September 26, 2026)
Headquarters
Taiwan (Source, checked September 26, 2026)
Features
Multi-currency, Travel
Official website
richart.tw

Credit cards

Currency conversion fee
0% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
Up to 3.8% back on Taishin Richart card (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Taishin International Commercial Bank (Source, checked September 26, 2026)
Headquarters
Taiwan (Source, checked September 26, 2026)
Features
Multi-currency, Travel

Pros and cons

Pros

  • The currency conversion fee is 0%, which sits at position 1 among the 259 brands compared on that cost.
  • A monthly fee of TWD 0 means the card costs nothing to keep open between trips.
  • Cashback of Up to 3.8% back on Taishin Richart card on card spending through the mastercard network.
  • The debit account is held with the bank Taishin International Commercial Bank, based in Taiwan.

Cons

  • Currency coverage stops at 13 currencies, narrower than a general travel money account.
  • The feature list is multi currency and travel, a narrow brief next to cards aimed at ordinary daily spending.
  • The bank sits in Taiwan, so the account is built for customers of that market.

Ready to try Taishin Richart?

Scored 9.3 / 10 by DebitCue.

See alternatives

Who it suits

  • Travellers who spend in several currencies and want the conversion fee kept at 0%.
  • Customers of Taishin International Commercial Bank who want a mastercard card with a monthly fee of TWD 0.
  • Spenders who prefer cashback, with Up to 3.8% back on Taishin Richart card on card purchases.

Who should look elsewhere

  • Wise, if you hold more currencies than 13 and want them all in one account.
  • Chime Card (Secured Visa Credit Card), if you would rather hold a Visa card than mastercard, though its monthly fee is $0 like TWD 0 here.
  • Varo Believe Secured Credit Card, if a secured credit card fits you better than a debit card.

Fees and currency costs

The Taishin Richart debit account carries a monthly fee of TWD 0, so holding the card costs nothing each month. The currency conversion fee is 0%, so money spent or held in another currency is converted without a markup on the exchange rate. Those are the lines that matter most for anyone spending away from home.

How Taishin Richart compares

Where Taishin Richart is available

Available
Taiwan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee on Taishin Richart?+

The monthly fee is TWD 0, so there is no standing cost for keeping the debit account open. That makes it easy to hold as a second card for travel spending while a separate account handles everyday money.

What does it cost to convert currency on this card?+

The currency conversion fee is 0%, so money spent or held in another currency is not reduced by a conversion markup. It ranks at position 1 among the 259 brands compared on that cost, which is why it appears on travel and no foreign fee lists.

How many currencies can the account hold?+

The account covers 13 currencies, enough for a trip with a few stops but narrower than a general travel money account. The features listed are multi currency and travel, so the design is aimed at multi currency and travel use rather than a single home currency.

What kind of card is Taishin Richart?+

The card type is debit, so spending comes straight from the balance in the account, and the card kind is listed as credit. It runs on the mastercard network, which is the more common choice among the cards compared here.

What rewards does the card give?+

Rewards are cashback. The card earns Up to 3.8% back on Taishin Richart card, and a rate of 0.5% is listed for the debit card. There is nothing to convert or redeem at a fixed rate, since the rewards type is cashback.

Who is behind the account?+

The account is issued by Taishin International Commercial Bank, which is based in Taiwan. The money sits with the bank behind the card, and the debit card draws on that balance. Anyone opening it needs to meet that bank's own eligibility rules.

Is it a good card for travel?+

The features listed are multi currency and travel, and the currency conversion fee is 0%, which is the pairing that matters away from home. The account covers 13 currencies, so trips that run through several of them are covered, and the card kind is credit.

How do the fees compare with the alternatives?+

Wise shows a monthly fee of £0, while Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) show $0 and $0. The real difference is the account type: this is a debit card on mastercard, while those two are secured credit cards.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Taishin Richart

A travel debit card: monthly fee of TWD 0 and a currency conversion fee of 0%.

9.3/10See alternatives